The Importance of Having Robust Insurance Coverage

While we wish for a fun-filled and smooth-sailing life with no accidents, illnesses or damages to our property, the unexpected can sometimes occur in the most unlikely of timing. These unexpected misfortunes can wreck our lives or even the lives of our family members.

While we cannot predict the future, we can still prepare for any misfortunes that might arise. One of the best way to do so is to get appropriate insurance coverage to cover you financially for any accidents or illness that fate can throw at you. You can also apply for appropriate insurance schemes for your family members.

Insurance is thus necessary as it helps to elevate your financial burden in the event an unfortunate accident were to occur. It also lifts the financial burden your family will have to bear in the absence of insurance. Insurance is thus a vital component of your financial health. The key is to select the appropriate insurance plan for your varying financial needs.

This article will touch on the key types of insurance coverage that you can seek out for your respective needs.

Life Insurance

Life insurance policies will pay out a sum of money to your beneficiaries (usually your family members) in the event of your death. This is important especially if you are a key bread-winner of your family and your family relies on your income for their daily living expenses.

Term Insurance

Term Insurance will pay out a sum of money to your beneficiaries in the event of your death, but this arrangement is enforceable for only a period (e.g. 5 years, or 10 years). Thus, term insurance is a temporary policy that can be used as supplements to your life insurance policy.


Annuities are usually beneficial for the retired or old-aged. Annuity plans pay out a regular income (usually on a monthly basis) that the retired or old-aged can use to cover their monthly expenses. Some annuities have payouts that last until the death of the individual. A good plan to have especially if you are expected to live a longer life after retirement since the mean lifespan of individuals living in developed countries (and many developing countries) are increasing statistically every generation.

Disability Riders

Pays out a sum of money to cover your medical and hospital bills in the event of a disability (e.g. due to an accident). Disability riders are usually created as an ‘add-on’ to your life insurance policies.

Critical Illness Riders

Pays out a sum of money to cover your medical and hospital bills in the event of a critical illness. Critical illness riders are usually created as an ‘add-on’ to your life insurance policies.

Investment-Linked Plans (ILPS)

This policy is a hybrid between a life insurance plan and a mutual fund (also known as unit trust). Part of your premiums can be used to fund a life insurance plan, and part of it can be used to invest in a mutual fund of your choice. Sometimes, earnings from your mutual fund can be cashed out, or be used to purchase additional units of your life insurance policy to increase your insurance coverage.

Endowment Funds or Savings Plans

These are savings plans that usually requires you to save a sum of money every month or every year. Under this plan, your savings will benefit from interest given by the insurance company, and you will be able to cash out your savings with interests after a pre-decided duration. This is a good plan to have when you are saving for your children’s college tuition to be expensed some years from now.


Selecting the appropriate financial plan is essential as it provides you with coverage that are suitable to your needs and the needs of your family. It is thus vital to understand the different types of insurance products listed above before committing to an insurance plan.

About The Author

Kwan Hong delivers impactful workshops and seminars in public speaking, communication skills, career skills, leadership, personal peak performance, entrepreneurship and business development. He has synthesized knowledge from 8 Degrees and Diplomas, from over 100 certifications and from 1000 books to bring his clients the best tips, tricks and techniques for personal success.

Till date, 120,000 participants from over 100 organizations and events have benefited from his speaking engagements.

Reach out to him at, or connect with him on LinkedIn at

Article Source:


Get Me to the Airport on Time

I was off to the airport on another trip. I started out early, arrived at the airport on time, but when I arrived the plane had canceled and I had to apply for another plane. The next plane headed for my destination was about two hours away. This would, in fact, make me miss my connecting flight.

I suppose I ought to be grateful that I was able to catch a later flight. It gave me some time to sit in the airport with nothing to do but think. Talk about a boring afternoon!

One of the things I thought about was never flying again. But, necessity is the mother of inconvenience, or something like that.

While I was thinking in the airport, I thought of a wise old man who, waxing philosophical, once said, “Time waits for no man.” I know he was wise because he did not include women in his observation. Although time will wait for no man, it has a different approach to women.

Usually speaking, a man welcomes the passing of time. Proudly he displays those wrinkles and calluses as marks of manhood. Until recently, gray hair was a crown of authority. Even Solomon, the wisest man said, “The hoary [gray] head is a crown of glory, if it be found in the way of righteousness” (Proverbs 16:31 KJV).

The grayer the head, the wiser the man. Although, I must confess I have seen my share of intelligence-challenged gray-headed men.

A woman, however, has an altogether different philosophy when it comes to time. As a man with gray hair, I do not fully understand their philosophy.

I suppose there are some men who would like to be 25 again. Most men, however, are happy to be as old as they are. Women are different. They live upon the concept of ageless beauty. Who am I, as a man, to counter that philosophy?

I discovered this many years ago. A woman casually asked me how old I thought she was. I have long since discovered that this is no casual question and she is not looking for exact information. I, at the time, took it as a challenge and tried to guess her age.


I have since learned that the correct response to this question is, “Why, you don’t look a day over 25.” I do not know exactly what that means, but I have often gotten smiles from this response. No matter how old the woman is, in her mind she is still 25.

The man has a different idea.

“I’m 60,” he will boast to whoever will listen, “and I can still do a whole day’s work.” Then he will go out and throw his back out just to prove it.

Time has a different effect upon a man as it does upon a woman.

There is nothing wrong with trying to look younger. I suppose it is an easier task to do if you are a woman than if you are a man.

Every morning before I leave the house I try to make myself as non-scary to the public as I possibly can. I will scrape my face, pat down my hair, and douse myself with aftershave and in 10 minutes, I am done and ready for the world.

I have noticed that the Gracious Mistress of the Parsonage takes a lot longer than 10 minutes to get ready to face the world. I must admit she does a very good job of it, but I also must admit it takes a long time and it seems each year it gets longer.

I do not want to call attention to myself. I just want to get through the day and back home again. I know I am not as young as I used to be but I take consolation in the fact that I am older than I used to be. And hand in hand with good old Father Time, I have walked down the wonderful timeline.

For me personally, I like to celebrate each birthday as a once-in-a-lifetime celebration. My goal in life is to get as old as I possibly can and with the good help of Father Time, I am well on my way. Time has not stood still for me, for which I am most thankful.

Just like getting to the airport on time for my flight, I want to be on time for everything happening in my life. I do not want to miss a thing. Too often people look backward, stumble over today, find themselves in tomorrow and do not know how they got there. I want to enjoy the time I have in real time.

There is no time like the present to enjoy. Memories are wonderful. Aspirations are delightful. But, nothing can take the place of right now.

The Bible has a lot to say about time. We are in a timeline established by God and it will not slow down until we come to the end. The apostle Paul understood this when he wrote, “And that, knowing the time, that now it is high time to awake out of sleep: for now is our salvation nearer than when we believed” (Romans 13:11 KJV).

There is no time like the present and as someone said, “This is the first day of the rest of my life.” I am going to celebrate my “Now” with all the energy I have.

Dr. James L. Snyder is pastor of the Family of God Fellowship, Ocala, FL 34483, where he lives with his wife. Call him at 1-866-552-2543 or e-mail His web site is

Article Source:


The Many Different Types of Perfumes

Looking for a new fragrance? Whether it is women’s best perfume, most popular perfume, or men’s cologne, they all will be made with a different concentration of fragrances. This is the reason for different pricing variations within sizes. With all the perfume scents available today, shopping for a new fragrance can be a bit confusing. When you look at a bottle of perfume, under the title will usually be the concentration of the fragrance. The concentration will signify the strength of the perfume. Perfumes with a higher fragrance concentration contain more perfume oils and less alcohol. The concentration of fragrances is in several categories consisting of parfum, eau de parfum, eau de toilette, eau de cologne, and eau fraiche.

The highest fragrance concentration is found in Parfum. The range of fragrance concentration in a parfum will usually range between 15% and 40%. For the most part, fragrance concentration is usually between 20% and 30% in most parfum. The scent from parfum will last around 6 to 8 hours long. Because of the high concentration of fragrance in a parfum, they usually are the most expensive of the fragrance types. The parfum fragrance is likely to be good for people with sensitive skin. It has the least amount of alcohol which is less likely to dry out your skin.

The next highest concentration of fragrance is eau de parfum (EDP). The concentration of fragrance is between 15% and 20%. The fragrance will last usually 4 to 5 hours with EDP. It has a higher concentration of alcohol which makes less expensive than parfum. This also is better for sensitive skin than other fragrance types. EDP is suitable for everyday wear and is one of the most common fragrance types.

One of the most popular fragrances available is eau de toilette (EDT) and is less expensive than eau de parfum. The fragrance concentration of EDT is between 5% and 15%. This fragrance usually lasts between 2 and 3 hours. EDT is thought by many to be good for day wear and EDP is good for evening wear. The term eau de toilette came from the French term “faire sa toilette” which means getting ready.

The perfume with a much lower concentration of fragrance than the types above is the eau de cologne EDC. The concentration of fragrance in EDC is 2% to 4% with a high concentration of alcohol. The fragrance generally only lasts up to 2 hours. The eau de cologne is in a bigger bottle and much more is needed to be used.

The fragrance that is similar to eau de cologne is eau fraiche. It has a lower concentration of fragrance of 1% to 3%. This scent will also last up to around 2 hours and a lot more needs to be applied. While eau fraiche has a low fragrance concentration, it has a little alcohol and the balance of water.

With some other types of fragrances available, there are also after shaves and mists. Doing research beforehand will ensure that you get the type of fragrance you are looking for. Whether you’re looking for a parfum with a larger concentration of fragrance, or a eau de cologne with a lower concentration of fragrance, it helps you to categorize your selections into groups. Maybe daytime or evening scents. Maybe work or socializing. Whatever the situation you can have fun categorizing your scent. With all of the concentration types and fragrances available, shopping for perfume or cologne is not always easy to find the best affordable fragrances.

Best Affordable Fragrances

Article Source:


Is Regret a Proactive Feeling?

Regret is not a proactive feeling. It is situated in disappointment, sorrow, even remorse. However, repentance is different. When you have expectations, you are setting yourself up for disappointment. But sometimes disappointment makes you stronger. It becomes a motivation to write the next book. There’s always failure. And there’s always disappointment. And there’s always loss.

Disappointment is inevitable. But to become discouraged, there’s a choice I make. Depression begins with disappointment. When disappointment festers in our soul, it leads to discouragement. No one else can go to the buffet line for you, you won’t get what you want if you let anyone or anything else select the main course of your life.

Take the time. The answer is proactive living. It has been something that I believe many people hold within themselves and it hurts like hell. It’s a double-edged sword. I had regrets, though. I had not taken care of myself. I had not been responsible for myself.

Preservation is very interesting. It is the best and worst. Setting the goal to change is one thing. I believe that paying the closest attention to the harmony of what our core is telling us to do is where the bedrock of success in anything is nurtured.

We can all be very powerful if we choose to be. Take the time and realize that the answer is proactive living. Right now this is the only life you have. Commit yourself to the process of finding and following your dreams, wants and desires.Make a list of all the moments in your life where you felt proactive.

Alternatively, if you felt proactive when you first used a computer, was it doing something new, achieving a goal or actually working with technology that made you feel proactive.Keep a journal for a week and notice when you are feeling the most proactive.

Look for the lessons on how to handle or overcome regret. What did you learn about yourself? What did you learn about someone else? What patterns do you see? What are you noticing about your reactions and responses? All situations in life are rich with learning.

Rewinding time is not possible but “do-over’s” actually are. Of course we cannot get a do-over of the exact same situation, but the universe will deliver to you similar situations where you can learn. The first time it happened you didn’t know any better.

Take action. Is there support you need? Is there a conversation you need to have? Regret is a reactive response. Reactive responses keep you stuck; proactive responses move you forward. You want to move forward, don’t you? So, forgive yourself! This is the most important and the most challenging part. We all make so-called mistakes. Remember, you are a human being so stop placing an expectation on yourself that you are supposed to get it right all of the time!

Remember that you did the best you could. Breathe. Take it in. You do not have to suffer from regret. You can stop beating yourself up; it is not serving you. Learn, take action, forgive and stop looking behind you. TURN AROUND. See what is right in front of you… and, better yet, what lies ahead.

This is about living without regrets no matter what our situation in life is.

Article Source:


How Can We Eliminate Racism in Baton Rouge

Baton Rouge is not only the capital city but political hub of Louisiana. The city boasts of growth in industries, research and medicine among others. In the recent past, it has been in the limelight for all the wrong reasons – racially related killings. Now, what brings chills on our backs is that the very people who should be protecting the minority are the ones eliminating them. The case of Alton Sterling is still fresh in our minds.

What many do not know is that there have been many such cases in the past which have gone unreported. One wonders, where was the media? Why did they choose to give this issue a blackout? It is an open secret that racism is rampant here and people who perpetrate it are the ones who should stamp it out. Anyway, how can we eliminate racism in Baton Rouge?

The importance of leadership dialogue on racism.

Dialogue was an important aspect in annulling the nuclear arms generation and putting an end to the Cold War. It is not just dialogue we are talking about here – it is the willingness for the people in authority to talk with all the parties involved and end racism.

The importance of community dialogue and involvement.

Dialogue will only be effective if it involves all the stake holders. Communities in Baton Rouge should be allowed to engage positively with each other. The organizers of these events should help participants to overcome racial divisions and embrace their cultural differences. This will heal the racial ills and divisions that have dogged us for decades.

How to deal with the pink elephant in the room.

Someone said that if a mother tries to hide her nakedness during child birth, she will kill her own baby. For us to deal with racism in Baton Rouge, we must be honest and face the facts however painful.

How can whites eliminate racism in Baton Rouge?

White people are in an exceptional position to persuade the perceptions of other white people. They should use it to influence their friends and families so as to heal this society.

Even though I’m a black person, my life is just as important as a white person.

Many black people have lost their self esteem and settled for crumbs. Remember, people will look at you the same way you look at yourself. Refuse to settle for less – even if you must work ten times more than other people.

Eliminating racism is a community effort.

The death and destruction of racism is a community affair. We need the young, old, people in authority and people from all walks of life to assist. However, we all must have a shared goal – we are all equal.

Step out of the comfort zone and eliminate racism.

Few of us want to be seen swimming against the current. However, history will judge us harshly if we fear to confront this vice. There must be a willingness to tackle and eliminate racism.

How can we eliminate racism in Baton Rouge? Racism is evil, inhuman and conniving. Although it has been allowed to thrive in Baton Rouge for decades, time has come for all of us to “hold the bull by the horns”. We must be ready to “bite the bullet” for the sake of future generations. Where there is a will there is always a way! I hope I have answered your question – How can we eliminate racism in Baton Rouge?

Ranches Lee Hall is a pastor. He’s been online now for several years operating different blogs and online businesses and providing helpful information. He enjoy songwriting, reading the bible, playing the keyboard or piano he currently runs

Article Source:


Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.